Jump to content


  • Tweets

  • Posts

    • Good Evening, I received this pack yesterday its an application notice to change claimants. Will they be chasing me for this as they were successful with the first claim? many thanks Webb 1.Application Notice N244rd.pdf 2.Asset Transfer Deed r.pdf 3.Notice of Assignment Part A Letter 1 & 2rd.pdf 5.Claim Form rd.pdf 6.Draft Order rd.pdf
    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Twoofus v First Direct **WON**


twoofus
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4125 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have just received an offer of about £600 which is £150 short of what I was requesting. Just typing up a modified LBA with rejectance of that amount as full and final settlement and only accepting it as partial settlement. FD have been really quick in responding to these letters, usually within 4/5 days so we'll see what happens next.

 

:grin: :grin: My wife is about a week ahead of me and has just been offered the full amount she was claiming as full and final settlement. This is fantastic and has all been done in less than 2 weeks, we can't quite believe it :D :D .

 

;-) A very big thanks to anyone who has assisted us, you've been amazing;-)

My YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

Wifes YB account: S.A.R. 11/10/06: Prelim 23/11/06: LBA 27/11/06: Offer Rejection 17/12/06: MCOL 09/02/07

Joint YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

My FD account: Settled

Wifes FD account: Settled

Link to post
Share on other sites

Congrats twoofus.

 

I have just recieved today a letter from FD for £1100 against a claim of £1300. THey also state that it includes £185 yet to be taken from my account for recent overdraft violations, which is surprising as I only claimed £130 that is yet to be taken. Bastards are still hitting me.

 

So tonight I will send them an I'll accept as partial payment & increase my original figure by the extra £55 you are going to take that you advised in your letter.

 

Bushboy

 

 

PS.

 

FD have also returned mine & my wife's £10 cheque for our now closed Visa Data.

 

Kind people

Link to post
Share on other sites

Thats exactly what they did with mine and my wifes offer Bushboy, within a week they offered her the full amount and I've just posted my Rejection/LBA today.

 

Keep going mate, shouldn't be long now.

 

P.S. I am finally looking forward to Xmas

My YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

Wifes YB account: S.A.R. 11/10/06: Prelim 23/11/06: LBA 27/11/06: Offer Rejection 17/12/06: MCOL 09/02/07

Joint YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

My FD account: Settled

Wifes FD account: Settled

Link to post
Share on other sites

Just received a letter from FD today offering me the full amount I was claiming as full and final settlement. I have just signed and posted the acceptance so just have to wait for the money to clear and then thats both myself and my wife completely settled with FD.:D

 

I have to say (again) that I am astonished at how quickly FD have dealt with us and without any great fuss, just a shame other banks don't follow FD's lead, they are (IMHO) a very good bank to deal with and although they shouldn't have taken the amount they have in charges, they have dealt with our complaints efficiently and without trying all the games others have so well done FD.

 

As our 'business' on the FD thread is pretty much finished, I would just like to thank everyone on here for your help and support. THANKS.

Yippidy doo daa yippedy day

My YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

Wifes YB account: S.A.R. 11/10/06: Prelim 23/11/06: LBA 27/11/06: Offer Rejection 17/12/06: MCOL 09/02/07

Joint YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

My FD account: Settled

Wifes FD account: Settled

Link to post
Share on other sites

Congrats twoofus,

 

I too have recieved a full repayment offer & have accepted today. I also agree that for the smaller to medium claims FD are acting quickly and fairly.

 

I've still to recieve Visa statements.

 

bushboy

Link to post
Share on other sites

  • 6 years later...

Hi all,

 

I've not been on here for a while but my how its grown since the bank charge days ;)

 

Right, I entered into a debt Management plan with CCCS about 6 years ago and most of my creditors defaulted me between February and November of 2007.

 

This means that throughout this year most of my defaults will drop off, or so I believe.

 

Now, First Direct never defaulted me and marked me on CRA as green paying on time from Feb 2007 till November 2012 when they decided to Default even though I'm paying the same as I always have!!

 

I phoned and they said they transferred the debt to a DCA in the November so they Defaulted it at that point, apparently policies have changed within First Direct.

 

I probably know the answer :| but can they just do this after 6 years :???:

My YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

Wifes YB account: S.A.R. 11/10/06: Prelim 23/11/06: LBA 27/11/06: Offer Rejection 17/12/06: MCOL 09/02/07

Joint YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

My FD account: Settled

Wifes FD account: Settled

Link to post
Share on other sites

the reason that they gave is NOT justification to default the debt

 

but

 

there is nowt to stop them defaulting your debt at anytime though.

 

i'll get brig to comment further

 

now FD are known as big charges

 

got any penalty charges or PPI on it?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

No I haven't got any Penalty charges or PPI.

 

Thanks

My YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

Wifes YB account: S.A.R. 11/10/06: Prelim 23/11/06: LBA 27/11/06: Offer Rejection 17/12/06: MCOL 09/02/07

Joint YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

My FD account: Settled

Wifes FD account: Settled

Link to post
Share on other sites

See page 9 onwards http://www.experian.co.uk/www/pages/downloads/compliance/guidance_on_defaults.pdf

 

Time to complain to the ICO https://www.ico.gov.uk/Global/contact_us.aspx

 

Although there will be some flexibility in the definition of a breakdown, we believe there should be general rules for the minimum period of arrears which should exist before a default can be filed. Equally there should be a maximum period after which, if anything is to be recorded with a credit reference agency, a default must be filed. The following are in line with the practices currently adopted by most lenders.

• Accounts should not be routinely filed as being in default where full payments or those due under a rescheduled agreement are fewer than three consecutive months in arrears.

 

• Accounts should normally be filed as being in default where those payments due have not been received for six months.

Link to post
Share on other sites

Wow thanks.

 

So basically I need to write to the ICO stating that First Direct didn't file a default within 6 months of the debt going onto reduced payments, and that waiting for 6 years before entering a default is unfair on the basis I have made arranged payments accepted by FD and will now be treat less fairly than someone who didn't pay their debt at all.

 

Am I miles off the mark :???:

 

Anyone know where there's a template letter :oops:

My YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

Wifes YB account: S.A.R. 11/10/06: Prelim 23/11/06: LBA 27/11/06: Offer Rejection 17/12/06: MCOL 09/02/07

Joint YB account: S.A.R. 11/10/06: Prelim 09/02/07: LBA 17/02/07

My FD account: Settled

Wifes FD account: Settled

Link to post
Share on other sites

It's generally seen as unfair to register a default after a year & as they have accepted a DMP and you had rearranged repayment plan which you haven't defaulted on they shouldn't have recorded a default in any case.

 

If you telephone the ICO & have a chat with an advisor or even email them they will be able to explain all. ;)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...